If you want to buy a property we could give you a
helping hand. You can choose from a number of specially designed
buying schemes. Some let you buy a portion of the property and pay
a low rent on the rest, while others offer an interest-free loan -
so there's bound to be a scheme that suits you.
Take a look at the different ways we can help you.
Or, if you'd like to talk through your options, call us today on
0800 432 0043.
Jump to:
Shared Ownership
HomeBuy Direct
Try Before You Buy
Rent to HomeBuy
Assisted Move
100% Mortgages
Shared Ownership
Buy your home one step at a time
Shared Ownership (also known as New Build HomeBuy)
means you can start to buy your home now, even if you can't afford
it all in one go.
You simply buy a share in your home, anything from
25 per cent to 75 per cent, and pay a modest rent on the remaining
share. This allows you to choose a mortgage amount that is
affordable to you and, when your financial circumstances change,
you can increase your share until you own your home outright.
Search our homes for sale to find out what's available for Shared
Ownership in your area.
This scheme is available to those who have a
household income of less than £60,000 year.
Properties in Scotland operate under a different
Shared Ownership Scheme where you can buy a 25% to 75% share in
your home. Go to Homes in Scotland to see what's available.
HomeBuy Direct
We'll lend you money to get you on the ladder
HomeBuy Direct is a new shared equity scheme that
makes buying easier. We offer buyers an equity loan of up to 30% of
the price of a new property, so you can buy a home with a smaller
mortgage.
You only need to find funding for 70% of the
property's price - and you can do that by using any savings you
have plus a mortgage. Even better, there's no interest payments on
the equity loan for the first five years.
This product is only available to those who have a
household income of less than £60,000 per year. To find out more,
download the HomeBuy Direct brochure.
Properties in Scotland operate under a different
Shared Equity Scheme where the Scottish Government provides equity
funding of up to 40% of the property's value and you fund the rest
of the purchase with a mortgage and/or your savings. Go to Homes in
Scotland to find out more.
Try Before You Buy
Giving you time to decide to buy
Try Before You Buy is such a good opportunity for
lots of people who are unsure whether to buy right now. You can
move into one of our brand new homes, without a deposit or even a
mortgage. You simply choose one of our homes and pay rent on it
until you decide to buy.
Once you've settled in, if you choose to buy your
home then you'll get up to your first year's rent towards the
deposit and we will contribute towards your legal costs. So you can
move into a beautiful new home straightaway, decide whether you
like the property and the area, and use the rent you have paid
towards a deposit.
And that's not all. As part of this deal we will
provide carpets and curtains, so all you need is the first month's
rent and another month's rent as a bond. To find out more, download
the Try Before You Buy brochure.
Rent to HomeBuy
Rent for less and save for a deposit
Rent to HomeBuy lets you move into one of our homes
and pay rent at a reduced rate - 80% of the market rent - for up to
three years. This will help you save for a deposit so that you can
buy a share in your home, anything from 25 per cent to 75 per cent.
And, like our Shared Ownership product, you can gradually increase
your share until you own your home outright.
This product is available to those who have a
household income of less than £60,000 per year, and do not own
another property. To find out more, download the Rent to HomeBuy
brochure.
Assisted Move
Help with moving fees
If you are a homeowner looking to sell your
existing property and buy one of ours we may be able to give you
extra assistance. We can contribute to your estate agent fees when
you are selling your home and help towards the cost of your Home
Information Pack. To find out more about Assisted Move call 0800
432 0043.
100% mortgages on selected sites
Buy with no deposit
We have launched an exclusive 100% mortgage that
allows you to buy a property without having to save for a deposit.
The scheme is available at some of our newest developments around
the country.
This innovative offer is possible because we
actually provide the mortgage ourselves. So you can borrow 100% of
the property's value, providing we deem the mortgage repayments
affordable to you.
Or we offer another option that could enable you to
afford a more expensive home than you thought possible. Combine our
mortgage with a 30% equity loan to boost your buying
potential.
For example, if we were to calculate that you can
borrow £140,000 on your mortgage, you could also take an equity
loan of £60,000 and be able to afford a property of up to
£200,000.
What's more, if you decide to sell after three
years and the value of your home has gone down, we will buy it back
at the price you paid for it.
To find our more, download our mortgages brochure
and our equity loans brochure.
Mortgages are subject to status and to you
satisfying our affordability criteria. They are available on a
selected number of our properties. Legal costs and other fees will
be payable. Under the buyback guarantee we offer to buy your
property from you, at any time in the first three years after you
buy it, at the same price you paid for it. The buyback offer is
subject to you keeping the property in good condition and being up
to date with your mortgage repayments.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
YOUR REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON
IT.
If you want to buy a property we could give you a helping hand.
You can choose from a number of specially designed buying schemes.
Some let you buy a portion of the property and pay a low rent on
the rest, while others offer an interest-free loan - so there's
bound to be a scheme that suits you.
Take a look at the different ways we can help you. Or, if you'd
like to talk through your options, call us today on 0800
432 0043.
Jump to:
Shared ownership
Try before you buy
Rent to HomeBuy
Assisted move
100% mortgages
Shared ownership
Buy your home one step at a time
Shared ownership (also known as New Build HomeBuy) means
you can start to buy your home now, even if you can't afford it all
in one go.
You simply buy a share in your home, anything from 25 per cent
to 75 per cent, and pay a modest rent on the remaining share. This
allows you to choose a mortgage amount that is affordable to you
and, when your financial circumstances change, you can increase
your share until you own your home outright.
This scheme is available to those who have a household income of
less than £60,000 year.
Properties in Scotland operate under a different Shared
Ownership Scheme where you can buy a 25% to 75% share in your
home.
Try before you buy
Giving you time to decide to buy
Try Before You Buy is such a good opportunity for lots of people
who are unsure whether to buy right now. You can move into one of
our brand new homes, without a deposit or even a mortgage. You
simply choose one of our homes and pay rent on it until you decide
to buy.
Once you've settled in, if you choose to buy your home then
you'll get up to your first year's rent towards the deposit and we
will contribute towards your legal costs. So you can move into a
beautiful new home straightaway, decide whether you like the
property and the area, and use the rent you have paid towards a
deposit.
And that's not all. As part of this deal we will provide carpets
and curtains, so all you need is the first month's rent and another
month's rent as a bond. To find out more, download the Try Before You Buy brochure.
Rent to HomeBuy
Rent for less and save for a deposit
Rent to HomeBuy lets you move into one of our homes and pay rent at
a reduced rate - 80% of the market rent - for up to three years.
This will help you save for a deposit so that you can buy a share
in your home, anything from 25 per cent to 75 per cent. And, like
our Shared Ownership product, you can gradually increase your share
until you own your home outright.
This product is available to those who have a household income
of less than £60,000 per year, and do not own another property.
Assisted move
Help with moving fees
If you are a homeowner looking to sell your existing property and
buy one of ours we may be able to give you extra assistance. We can
contribute to your estate agent fees when you are selling your home
and help towards the cost of your home information pack. To find
out more about assisted move call 0800 432 0043.
100% mortgages on selected
sites
Buy with no deposit
We have launched an exclusive 100% mortgage that allows you to buy
a property without having to save for a deposit. The scheme is
available at some of our newest developments around the
country.
This innovative offer is possible because we actually provide
the mortgage ourselves. So you can borrow 100% of the property's
value, providing we deem the mortgage repayments affordable to
you.
Or we offer another option that could enable you to afford a
more expensive home than you thought possible. Combine our mortgage
with a 30% equity loan to boost your buying potential.
For example, if we were to calculate that you can borrow
£140,000 on your mortgage, you could also take an equity loan of
£60,000 and be able to afford a property of up to £200,000.
What's more, if you decide to sell after three years and the
value of your home has gone down, we will buy it back at the price
you paid for it.
Find out more about
buying a new home with us.
Mortgages are subject to status and to you satisfying our
affordability criteria. They are available on a selected number of
our properties. Legal costs and other fees will be payable. Under
the buyback guarantee we offer to buy your property from you, at
any time in the first three years after you buy it, at the same
price you paid for it. The buyback offer is subject to you keeping
the property in good condition and being up to date with your
mortgage repayments.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR
REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON
IT.
